task3

From the two graphs below, there is no obvious trends in the status of the loan. But maybe from 1994 to 1996 loan open date has a low bad rate

fig <- plot_ly(
  x = accounts$acct_creation_date,
  y = accounts$loan_default,
  type = "scatter",
  alpha = 0.5,
  name = "12"
)
fig <- fig %>% layout(
    xaxis = list(title="Year"),
  yaxis = list(title="Loan status"),
  title = "Loan default vs. Account Open date"
    )
fig

## No scatter mode specifed:
##   Setting the mode to markers
##   Read more about this attribute -> https://plot.ly/r/reference/#scatter-mode

## Warning: `arrange_()` is deprecated as of dplyr 0.7.0.
## Please use `arrange()` instead.
## See vignette('programming') for more help
## This warning is displayed once every 8 hours.
## Call `lifecycle::last_warnings()` to see where this warning was generated.

## Warning: Ignoring 3818 observations

fig <- plot_ly(
  x = accounts$loan_date,
  y = accounts$loan_default,
  type = "scatter",
  alpha = 0.5,
    xaxis = list(title="Year"),
  yaxis = list(title="Loan status"),
  title = "Loan default vs. Loan Open date"
)
fig <- fig %>% layout(
    xaxis = list(title="Year"),
  yaxis = list(title="Loan status"),
  title = "Loan default vs. Loan Open date"
    )
fig

## No scatter mode specifed:
##   Setting the mode to markers
##   Read more about this attribute -> https://plot.ly/r/reference/#scatter-mode

## Warning: Ignoring 3818 observations

## Warning: 'scatter' objects don't have these attributes: 'title'
## Valid attributes include:
## 'type', 'visible', 'showlegend', 'legendgroup', 'opacity', 'name', 'uid', 'ids', 'customdata', 'meta', 'selectedpoints', 'hoverinfo', 'hoverlabel', 'stream', 'transforms', 'uirevision', 'x', 'x0', 'dx', 'y', 'y0', 'dy', 'stackgroup', 'orientation', 'groupnorm', 'stackgaps', 'text', 'texttemplate', 'hovertext', 'mode', 'hoveron', 'hovertemplate', 'line', 'connectgaps', 'cliponaxis', 'fill', 'fillcolor', 'marker', 'selected', 'unselected', 'textposition', 'textfont', 'r', 't', 'error_x', 'error_y', 'xcalendar', 'ycalendar', 'xaxis', 'yaxis', 'idssrc', 'customdatasrc', 'metasrc', 'hoverinfosrc', 'xsrc', 'ysrc', 'textsrc', 'texttemplatesrc', 'hovertextsrc', 'hovertemplatesrc', 'textpositionsrc', 'rsrc', 'tsrc', 'key', 'set', 'frame', 'transforms', '_isNestedKey', '_isSimpleKey', '_isGraticule', '_bbox'